BMO Survey: US Summer Spending Heats Up Following Record-Breaking Memorial Day Travel
BMO Survey: US Summer Spending Heats Up Following Record-Breaking Memorial Day Travel
- 25% say they will spend more on vacation and travel compared to 2023.
- 51% percent say they spend more than they know they should.
- 25%的人表示他們會比2023年的時候在度假和旅行方面花費更多。
- 51%的人表示他們的花費超過了他們認爲他們應該花費的數量。
CHICAGO, June 18, 2024 /PRNewswire/ - A special report from the BMO Real Financial Progress Index finds Americans plan to increase their summer spending across numerous categories, particularly on vacations and travel, with a quarter of Americans saying they will spend more on getaways this summer compared to last year.
芝加哥，2024年6月18日/美通社/ - BMO Real Financial Progress Index發佈了一份特別報告，發現美國人計劃在許多類別中增加夏季開支，特別是在度假和旅行方面，四分之一的美國人表示他們將比去年夏天在度假方面花費更多。BMO Real Financial Progress Index千禧一代和Z一代在今年夏天的度假計劃中處於領先地位，30%的人表示他們計劃在接下來的幾個月中比2023年花費更多。 這是根據運輸安全管理局（TSA）的數據，記錄的全國機場的旅客人數打破記錄的情況下。
Millennials and Gen Z lead this summer's getaway spending plans, with 30 percent (on both counts) saying they plan to spend more over the next few months compared to 2023. This comes after a record-breaking number of travelers screened at airports during the Memorial Day weekend, according to the Transportation Security Administration (TSA).
美國BMO首席經濟學家Scott Anderson表示：“在一份樂觀的報告中，根據聯儲最新的區域性調查，旅遊業和旅遊業在全國大部分地區都有所增強。” 此外，即使在持續的通貨膨脹壓力和更高的利率期貨下，消費者在體驗和一些大額商品上的支出仍在增加，儘管小型自由商品支出的價格敏感性增加。”
"On an upbeat note, travel and tourism has strengthened across most of the country, according to the Fed's latest regional survey." said Scott Anderson, Chief U.S. Economist at BMO. "Additionally, even amid lingering inflation pressures and higher-for-longer interest rates, consumer spending on experiences and some big-ticket items are still grinding higher, despite heightened price sensitivity around small discretionary goods outlays."
除了夏季度假和旅遊計劃外，BMO對消費者關於貨幣的情緒的季度研究還強調了本年夏季與去年夏季的開支模式的差異：
In addition to summer vacations and travel plans, BMO's quarterly study on consumer sentiment about money also highlights how spending patterns will vary this summer from last summer:
夏季逃脫：
- Summer escapades: 25% of Americans say they will spend more on vacations and travel than less this summer (13%), while 38% say they will spend the same amount as last year. 24% say they will remain at home this summer.
- Home sweet upgrade: 17% say they will spend more on home renovations, while 27% say they will spend the same amount on updates. 12% say they will spend less on home improvements, while 44% say they have no plans to do this.
- Sunshine playtime: Out of the households that have children under 18, 20% say they will spend more on summer camp and daycare, 14% will spend less, and 36% will spend the same amount. 30% say they are not doing summer camp or daycare at all.
- Big splurges: 13% percent will spend more on large purchases like a car or boat, 21% will spend the same as last year, 11% will spend less than last summer, while most (55%) have no plans.
- Milestone moments: 15% of Americans will spend more on special events like graduations and baby or wedding showers, while 31% plan to spend the same amount as last summer, and 12% less than last summer. The remaining 43% have no plans.
- 25%的美國人表示他們將在今年夏天比去年夏天花更多的錢在度假和旅行上（13％），而38％的人表示他們將會與去年夏天一樣的開銷。 24％的人表示他們今年夏天將呆在家中。甜蜜的家：
- 17％的人表示他們將花費更多的錢在房屋翻新上，而27％的人表示他們將花費與去年相同的金額，12％的人表示他們將花費更少的錢在家庭改進上，而44％的人則表示他們沒有這樣的計劃。陽光時光：
- 在擁有18歲以下兒童的家庭中，20%的人表示他們將在夏令營和託兒所上花費更多的錢，14％的人將花費更少，而36％的人將花費相同的費用。 30％的人表示他們根本不會去夏令營或託兒所。大手筆購物：
- 13％的人將在車輛或船隻等大型購買上花費更多的錢，21％的人將與去年夏天花費相同的金額，11％的人將比去年夏天花費更少，而大多數人（55％）沒有這樣的計劃。里程碑時刻：
- 15％的美國人將在畢業典禮，寶寶或婚禮派對等特別活動上花費更多的錢，而31％的人計劃與去年夏季花費相同的金額，12％少於去年夏季花費的金額。剩下的43％人沒有這樣的計劃。儘管有相當數量的美國人計劃今年夏天花費更多的錢，但據BMO的指數顯示，60％的美國人表示他們對生活成本的擔憂比3個月前更加關注，51％的人表示他們的花費超過了他們認爲他們應該花費的數量。 此外，信用卡債務是金融壓力的重要來源，54％的美國人表示它會讓他們焦慮。
Despite the number of Americans with plans to spend more this summer, 60% of Americans say they are more concerned about the cost of living than they were 3 months ago and 51% say they spend more than they know they should, according to BMO's index. Additionally, credit card debt is a significant source of financial stress, with 54% of Americans saying it causes them anxiety.
“由於四分之一的美國人增加了夏季度假和旅行方面的支出計劃，因此強調利用專業建議和數字工具來幫助爲目標而節省資金至關重要，例如
"With a quarter of Americans increasing their summer travel and vacation spending plans, it's crucial to emphasize the importance of utilizing professional advice and digital tools to help save for goals, such as BMO Total Look, which can personalize your budget and manage your money effectively to prevent additional financial stress," said Paul Dilda, Head of U.S. Consumer Strategy at BMO. "If you need extra guidance, consider consulting a banker or financial advisor to develop tailored strategies that ensure you stay on track to make real financial progress while enjoying your vacation."
“美國四分之一的人計劃增加暑期旅行和度假支出，強調利用專業建議和數字工具來幫助節省用於實現目標的資金至關重要，例如BMO總覽保羅·迪爾達（Paul Dilda），BMO美國消費策略主管反應：“BMO Total Look可以將您的預算個性化，並有效管理資金，以避免額外的財務壓力。如果您需要額外的指導，請考慮諮詢銀行家或財務顧問，以制定量身定製的策略，確保您保持在正確的軌道上實現真正的財務進步，同時享受度假。
BMO helps customers stay on track and make financial progress
BMO幫助客戶保持在正確的軌道上實現財務進步
In addition to creating a budget and sticking to it, BMO offers the following tips to help make real financial progress this summer:
除了制定預算並堅持執行之外，BMO爲了幫助您在今夏實現真正的財務進展，提供以下提示：
- Build a budget and review spending and financial statements at least once a month.
- Develop a separate budget to save for more expensive plans, such as a vacation, travel, or large purchases.
- Look for recurring "hidden" expenses, such as forgotten subscriptions, and cancel those you don't use or need.
- Regularly meet with your banker or financial advisor to make sure your savings and payment patterns are on track to reach both near- and long-term goals.
- Set up a savings goal and recurring savings transfers into an account – no matter the amount – which will provide a sense of progress and motivation to achieve your savings goals.
- Take advantage of the BMO Real Financial Progress Hub, a digital resource that allows customers to easily access personal finance advice and guidance, as well as tools and resources to reach their own specific financial goals.
- 至少每月建立一個預算，並審核支出和基本報表。
- 制定一個獨立的預算，用於儲蓄更昂貴的計劃，例如度假、旅遊或大型購買。
- 尋找經常出現的“隱藏”花費，例如被遺忘的訂閱，並取消您不使用或不需要的訂閱。
- 定期與您的銀行家或財務顧問會面，以確保您的儲蓄和支付模式在正確的軌道上，以實現短期和長期目標。
- 設定儲蓄目標和定期儲蓄轉賬到您的帳户，無論金額大小，都會提供進展和動力感，以實現您的儲蓄目標。
- 利用BMO真正的財務進步中心。這是一個數字資源，讓客戶可以輕鬆獲取個人財務建議和指導，以及達到自己特定財務目標所需的工具和資源。BMO真正的財務進展中心BMO真正的財務進展指數是一個指標，指示消費者對個人財務的感受以及他們是否在取得財務進展。該指數旨在引發對話，幫助消費者實現他們的財務目標，並人性化地處理許多人引起焦慮的主題——資金。
About the BMO Real Financial Progress Index
關於BMO真正的財務進步指數
Launched in February 2021, the BMO Real Financial Progress Index is an indicator of how consumers feel about their personal finances and whether they are making financial progress. The index aims to spark dialogue that will help consumers reach their financial goals and to humanize a topic that causes anxiety for many – money.
BMO真正的財務進展指數於2021年2月推出，是關於消費者對個人財務感受以及他們在取得財務進展方面的指數。該指數旨在引發對話，幫助消費者實現他們的財務目標，並人性化地處理許多人引起焦慮的主題——資金。
The research detailed in this document was conducted by Ipsos in the United States from February 28 to March 18, 2024. A sample of n=2,505 adults ages 18+ in the United States was collected. Quotas and weighting were used to ensure the sample's composition reflects that of the American population according to census parameters. This survey has a credibility interval of +/- 2.4 per cent 19 times out of 20, of what the results would have been had all American adults 18+ been surveyed.
本文中介紹的研究由Ipsos於2024年2月28日至3月18日在美國進行。其中，調查了2,505名美國年滿18歲的成年人。配額和加權對樣本的組成進行了調整，以反映根據人口普查參數的美國人口的構成。該調查具有+/-2.4％的可信區間，20次中有19次是這些結果，如果全部調查了18歲以上的所有美國成年人，則這些結果是正確的。
About BMO Financial Group
關於BMO金融集團
BMO Financial Group is the eighth largest bank in North America by assets, with total assets of $1.4 trillion as of April 30, 2024. Serving customers for 200 years and counting, BMO is a diverse team of highly engaged employees providing a broad range of personal and commercial banking, wealth management, global markets and investment banking products and services to 13 million customers across Canada, the United States, and in select markets globally. Driven by a single purpose, to Boldly Grow the Good in business and life, BMO is committed to driving positive change in the world, and making progress for a thriving economy, sustainable future, and inclusive society.
BMO金融集團是北美第八大銀行，截至2024年4月30日總資產爲1.4萬億美元。服務於超過200年的客戶，BMO是一個多元化的高度投入員工團隊，爲1300萬客戶在加拿大、美國和全球部分市場提供個人和商業銀行、财富管理、全球市場和投資銀行產品和服務。受單一目的的驅動，即大膽成長好。在業務和生活中大膽成長，BMO 致力於推動世界的積極變革，爲繁榮的經濟、可持續的未來和包容的社會取得進展。
Media Contact: Lucas Seiler, Chicago, [email protected], 312-340-8576
媒體聯繫人：Lucas Seiler，芝加哥，[email protected]，312-340-8576
SOURCE BMO Financial Group
來源: BMO金融集團
譯文內容由第三人軟體翻譯。